The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$12,387
−HK$777/mo
▼ 0.25% · 3.875%
HK$12,772
−HK$392/mo
Today · 4.125%
HK$13,164
baseline
▲ 0.50% · 4.625%
HK$13,965
+HK$801/mo
Deposit HK$2.72M · loan HK$2.72M · min. income ≈ HK$26,328/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$122,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,780
−HK$745/mo
▼ 0.25% · 3.875%
HK$14,150
−HK$375/mo
Today · 4.125%
HK$14,525
baseline
▲ 0.50% · 4.625%
HK$15,291
+HK$766/mo
Deposit HK$2.72M · loan HK$2.72M · min. income ≈ HK$29,050/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$122,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,864
−HK$933/mo
▼ 0.25% · 3.875%
HK$15,327
−HK$470/mo
Today · 4.125%
HK$15,797
baseline
▲ 0.50% · 4.625%
HK$16,758
+HK$961/mo
Deposit HK$2.17M · loan HK$3.26M · min. income ≈ HK$31,594/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$122,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,537
−HK$893/mo
▼ 0.25% · 3.875%
HK$16,980
−HK$450/mo
Today · 4.125%
HK$17,430
baseline
▲ 0.50% · 4.625%
HK$18,349
+HK$919/mo
Deposit HK$2.17M · loan HK$3.26M · min. income ≈ HK$34,860/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$122,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,342
−HK$1,087/mo
▼ 0.25% · 3.875%
HK$17,881
−HK$548/mo
Today · 4.125%
HK$18,429
baseline
▲ 0.50% · 4.625%
HK$19,551
+HK$1,122/mo
Deposit HK$1.63M · loan HK$3.80M · min. income ≈ HK$36,858/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$122,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,293
−HK$1,042/mo
▼ 0.25% · 3.875%
HK$19,810
−HK$525/mo
Today · 4.125%
HK$20,335
baseline
▲ 0.50% · 4.625%
HK$21,407
+HK$1,072/mo
Deposit HK$1.63M · loan HK$3.80M · min. income ≈ HK$40,670/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$122,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,297
−HK$1,398/mo
▼ 0.25% · 3.875%
HK$22,990
−HK$705/mo
Today · 4.125%
HK$23,695
baseline
▲ 0.50% · 4.625%
HK$25,137
+HK$1,442/mo
Deposit HK$543K · loan HK$4.89M · min. income ≈ HK$47,390/mo (50% DSR)
Upfront cash ≈ HK$665K (deposit + AVD stamp duty HK$122,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,805
−HK$1,340/mo
▼ 0.25% · 3.875%
HK$25,470
−HK$675/mo
Today · 4.125%
HK$26,145
baseline
▲ 0.50% · 4.625%
HK$27,523
+HK$1,378/mo
Deposit HK$543K · loan HK$4.89M · min. income ≈ HK$52,290/mo (50% DSR)
Upfront cash ≈ HK$665K (deposit + AVD stamp duty HK$122,227 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).